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Community Reinvestment Fund, USA (CRF USA) is a national small business lender that focuses on scaling capital access for small businesses in communities across the country. They provide lending, technology, and service solutions to complement and amplify the effectiveness of the small business ecosystem.
CRF operates with a mission to build stronger local economies by working with various partners including banks, financial service providers, CDFIs, business support organizations, public sector entities, and philanthropists. Their approach involves comprehensive program capabilities including program planning and design, program management, and program evaluation to maximize their impact.
The organization plays a crucial role in the small business financing ecosystem by enhancing job growth and supporting economic mobility across communities. Through their collective impact programs and partnerships, CRF addresses critical gaps in small business capital access, particularly in underserved markets, making them a vital intermediary in community economic development.
CRF USA focuses on providing capital access to small businesses across the United States, with particular emphasis on communities that may be underserved by traditional financial institutions. Their investment approach includes various programs such as loan participation, loan to lender programs, disaster recovery and response, State Small Business Credit Initiative (SSBCI), bond guarantee programs, and COVID recovery programs.
The organization operates nationally with a focus on building stronger local economies and supporting economic mobility through small business lending. They define their impact through job growth creation, community economic development, and enhanced access to capital for businesses that might otherwise struggle to obtain traditional financing.

Photo credit: Community Reinvestment Fund, USA
National Scale Impact
Over $3.65 billion in capital delivered to communities since 1988, helping small businesses grow and create jobs nationwide.
Comprehensive Solutions
Offers lending, technology, and service solutions including loan participation, disaster recovery programs, and SSBCI support.
Strategic Partnerships
Works with banks, CDFIs, public sector, and philanthropists to amplify the effectiveness of the small business ecosystem.
Focus on Under-Resourced Businesses
Specifically targets small businesses that lack access to traditional capital sources, promoting economic equity and mobility.
Locations